At present, there are two concepts in the market, namely "house for house" and "house for house":
Room for room:
House-for-house exchange means that both parties have houses, and under the premise of mutual recognition, they exchange houses in the form of equivalence or price difference to meet their respective needs.
Sell the old dangerous houses in the main city and replace them with new houses with good environment and large area.
Build a house with a house:
It is to buy a new house with your own money, not sell the old house, then rent the old house, raise the new house with salary+monthly rent, and hold two houses at the same time.
If it is "housing for the elderly"
As long as you have enough money on hand to pay the down payment for a new house, it is recommended.
Because with the passage of time, wages will be higher and higher, rents will increase relatively, and with the influence of inflation and other factors, the repayment pressure will become smaller and smaller.
Judging from the current market situation, it is also possible to maintain or appreciate the value of houses and hold two houses at the same time.
If there is a need for funds later, the old house can be handled flexibly.
If it is "house for house"
If the two sides exchange houses (relatively few at present, as was the case in the fifties and sixties), then they will exchange houses according to the wishes reached by both sides.
Sign an agreement, transfer ownership, hand over the house, make up the difference and so on.
If it's old and small, is it necessary to change it?
At present, hot cities such as Beijing, Shenzhen and Zhengzhou often need to sell their old and young houses for new ones because of insufficient funds at hand.
There are two reasons for the need to change houses, mainly to improve the demand:
1, family members have increased, and the original purchase is not enough, so it needs to be replaced;
2. The old house has poor environment, no elevator, no property, difficult parking and so on. , need to be replaced.
65438+February 1 day, the Ministry of Housing and Urban-Rural Development held a symposium in Xiamen with the theme of old residential area pilot. A * * selected 15 cities as pilot cities, namely Guangzhou, Shaoguan, Liuzhou, Qinhuangdao, Zhangjiakou, Xuchang, Xiamen, Yichang, Changsha, Zibo, Hohhot, Shenyang, Anshan and Anshan.
Although Zhengzhou is not among the cities of 15, it is currently undergoing renovation of old and broken communities.
Some time ago, Zhengzhou has successfully transformed an old family home in Jinshui District, added elevators, and transformed the original public toilet into a bathroom, increasing the use area.
The overall environment of the old and the young has improved. Is it necessary to change rooms?
If you are sure to change, you can't ignore the following factors:
1, grasp the time difference between buying and selling.
Generally speaking, selling a house is faster than buying a house.
It is best to sell the house while buying it yourself. If the time is too long, the old house can't be sold, and the new house will continue to use money, the loss will be even greater.
2. Choose a buyer with better ability to pay.
If you need money to buy a house urgently, you need the buyer to pay in full or pay a high down payment.
If you don't need money urgently, choose a buyer with better ability to pay. The higher the down payment, the higher the leverage when buying a new house and the bigger the house that can be replaced.
(The above answers were published on 20 18-02-24. Please refer to the actual situation for the current purchase policy. )
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